FIRST BANK AND TRUST COMPANY

CLINTON, OK | Micro | Est. Jan. 1, 1903, midnight | FDIC #15348 | RSSD #157856 | FED
Latest Report: 2025-12-31

FIRST BANK AND TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in CLINTON, OK, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $55M and total deposits of $43M. Profitability stands at 2.00% ROA and 13.96% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 14.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15348.

Assets

$55M

Deposits

$43M

Loans

$21M

Equity

$8M

Profitability

Return on Assets (ROA) 2.00%
Return on Equity (ROE) 13.96%
Net Interest Margin (NIM) 4.64%
Yield on Assets 5.41%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 14.66%
Tier 1 Capital 14.66%
Total Capital Ratio 15.39%
Leverage Ratio 16.49%
Loan-to-Deposit 48.25%

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